PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Selfreliance

Chicago, IL · Charter 7346

NCUA · 15 branches

Q2 2026

$1.2BAssets
$724.6MLoans
$986.0MShares
$145.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.68%, up 12 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.92% of loans (-98 bps YoY).
  • Capital: net worth / assets of 12.27%, down 44 bps from a year ago.
  • Funding: loans stand at 73.49% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.71%+26 bps YoY

Efficiency Ratio (YTD, annualized)

73.74%-534 bps YoY

Net Worth / Assets

12.27%-44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.60%0.58%0.66%0.68%+12 bps
Return on Equity4.39%4.84%4.60%5.23%5.52%+114 bps
Net Interest Margin2.45%2.43%2.46%2.78%2.71%+26 bps
Efficiency Ratio79.09%75.58%76.01%75.86%73.74%-534 bps
Growth
Asset Growth (YoY)5.57%10.39%7.16%6.51%9.19%+362 bps
Loan Growth (YoY)11.84%12.50%11.12%10.21%11.62%-22 bps
Share Growth (YoY)10.36%12.39%8.36%8.73%10.39%+3 bps
Asset Quality
Delinquent Loans / Loans1.90%1.99%1.76%1.11%0.92%-98 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.71%12.44%12.53%12.63%12.27%-44 bps
Net Worth / Assets12.71%12.44%12.53%12.63%12.27%-44 bps
Liquidity & Funding
Loans / Shares72.68%72.59%73.40%73.27%73.49%+81 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps